“Can Chubb transform from a traditional P&C insurer into the default embedded insurance infrastructure layer for global digital platforms and fintechs via its API-first Chubb Studio platform?”
Chubb began as a traditional large-scale P&C insurer and has progressively pivoted toward becoming an embedded insurance infrastructure provider for digital platforms, fintechs, and neobanks. Through Chubb Studio, the company now offers an API-first distribution layer enabling partners to embed purchase protection, travel, health, and other insurance products directly into their apps and checkouts. The November 2025 launch of an AI-powered personalization engine within Chubb Studio signals a further move toward data-driven, real-time insurance distribution as a B2B2C service.
Chubb processes payments through Stripe.
Chubb's embedded insurance is provided by Sure.
The Embedded Finance Index 2026 maps 2 layers in Chubb's stack: Payments / PSP (Stripe); Insurance (Sure).
Chubb is founded in 1967 and headquartered in Warren, NJ, USA.
Get a read on where your own stack stands against Chubb and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.